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495 Mahogany Ln, Tracy, CA, 95376

3beds
2baths
1,199sqft
$599,000
$500price/sqft
$4,162/moest. monthly cost
$166,480/yrincome needed

About This Home

Tucked behind a mature shade tree and surrounded by lush gardens, this beautifully updated home feels less like a neighborhood property and more like a private Napa-inspired retreat. Offering 3 bedrooms, 2 bathrooms, and 1,199 sq. ft. on a 6,000 sq. ft. lot, every room has been updated with comfort and style in mind. Step inside to a bright great room where newer dual-pane windows frame breathtaking views of the backyard. A remodeled fireplace with a custom mantel and French doors seamlessly connect the indoor living space to the outdoor oasis, creating the perfect setting for relaxing or entertaining. The updated kitchen features refreshed cabinetry, stainless steel appliances, recessed lighting, a water filtration and reverse osmosis system, and overlooks the dining area with picturesque garden views. The spacious primary suite offers private access to the backyard, where you can enjoy your morning coffee surrounded by nature or unwind with cool evening breezes and birdsong. The remodeled ensuite bath features an updated vanity and tiled walk-in shower, while the hall bath has also been tastefully updated. The secondary bedrooms overlook the charming front yard. The backyard is where this home truly shines. Evoking the charm of a private wine country garden, this peaceful retreat features multiple outdoor living spaces connected by lush landscaping, colorful blooms, mature trees, a tranquil pond, raised garden beds, a charming garden arch, built-in BBQ, propane fire pit, covered patio, dedicated gardening station, tool shed, and inviting seating areas throughout. Whether entertaining, tending the garden, or simply relaxing, this backyard offers a level of tranquility that's hard to find. Additional improvements include newer dual-pane windows and doors, remodeled kitchen and bathrooms, engineered hardwood flooring, updated lighting and ceiling fans, newer HVAC system and ductwork, whole house fan, newer water heater, programmable drip irrigation, and a roof with a 2-year roof certification. The refrigerator is included. The attached two-car garage and no HOA provide added convenience and flexibility. Ideally located within walking distance to Gladys Poet-Christian Elementary School and Williams-Larsen Park. Homes with this level of care, character, and outdoor beauty are rare.

Getting Around

45
WalkingCar-Dependent
19
TransitMinimal Transit
43
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker,Free-Standing Electric Oven
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Tile,See Remarks
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air,Whole House Fan

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,199 sqft

Kitchen

  • Features: Laminate Counters

Master Bathroom

  • Features: Shower Stall(s),Tile,Window

Master Bedroom

  • Features: Closet,Outside Access

Property

Details

  • Parcel number: 246070090000
  • Zoning: res
  • Special condition: Standard

Features

  • Exterior features: Outdoor Grill,Fire Pit
  • Fencing: Back Yard
  • Waterfront features: Pond

Lot

  • Lot size: 5,998 sqft
  • Features: Shape Regular,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Front,Uncovered Parking Spaces 2+
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in San Joaquin County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,028$36,336
Home Insurance *$139$1,668
Property Taxes $597$7,164
Electricity $398$4,786
Total$4,162$49,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,697/yr
40% on housing$124,860/yr
45% on housing$110,986/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$500This listing

vs Other Active Listings

Avg $/sqft

ZIP 95376$308
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95376$374
San Joaquin County$300

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Listed for sale$599,000
1999-07-23Sold$173,000
1995-12-29Sold$141,000

For Sale by Agent

AgentBelinda Mills
BrokeragePMZ Real Estate

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